steven and i agree it's actually a good time to buy real estate. that said, there are investors coming in to buy real estate, buying single family properties either renovating out of foreclosure or building it and then renting it. when you flip to buy, you have far less multipliers. let's face it, renters are harder on property rather than owners, so the multiplier is less. but we're also not seeing the real comeback on single family housing starts that we'd like to see to see the jobs you really want to see. that's one of the reasons the fed picked mortgage-backed securities to purchase and try to help that market, and i think that's important to remember right now. >> let's take this over to don for a second. don, you're the guy who can explain in very clear terms for my audience how it is that the combination of low interest rates and low property rates and a boom in housing, how much of a relationship that has to job creation. i think there may be still some people in this country that don't get what a big deal that is. tell me how you end up c